KR20060108269A - Secure electronic transaction intermediate system and method of intermediating electronic transaction - Google Patents

Abstract

The present invention provides an electronic commerce mediation system and an electronic commerce mediation method through the system that can securely achieve a transaction through a strict authentication process for the user and the payment means presented by the user in electronic commerce. In addition, through the secure electronic commerce intermediation system according to the present invention, the user can safely proceed in the domestic as well as overseas transactions, and smoothly disputes based on information obtained in advance in case of disputes between users It can be solved.

Description

Secure Electronic Transaction Intermediate System and Method of Intermediating Electronic Transaction

1 is a schematic structural diagram of an electronic commerce system made through a network according to the present invention;

2 is a schematic configuration diagram of a mediation server constituting an electronic commerce mediation system for mediating electronic commerce between users according to the present invention;

3 is a flow chart schematically illustrating a process until a transaction is made between users through the e-commerce intermediation system according to the present invention to deliver goods or services to the buyer;

Figures 4a to 4c is an example of the user identification information input screen displayed to the user by the mediation system in the process of registering a user connected to the mediation system according to the present invention as a member, an example of the purchase information input screen, sales information input An example of the screen is shown.

FIG. 5 illustrates an example of a login screen displayed to a user in a state in which a user who has registered as a member in an intermediary system of the present invention enters an account number.

6 illustrates an example of card issuer information displayed on a screen based on a BIN number which is credit card information which is a payment method input by a user.

7A to 7B illustrate an example of an authentication request form transmitted from a mediation system to a financial institution in order to authenticate a payment method presented by a user who has subscribed as a member to a mediation system of the present invention.

8A to 8B show screens showing an example of a shopping cart screen opened on a seller's website, and an example of a transaction statement form prepared by one party.

Figure 9 shows an example of the delivery confirmation information printed by the seller after the transaction agreement between the parties.

10 is a flow chart schematically illustrating a process from the completion of the transaction to the final payment after the delivery is completed through the e-commerce intermediation system according to the present invention;

Figure 11 shows an example of the return form form is requested to be created by the user connected to the e-commerce brokerage system according to the present invention.

12A and 12B illustrate an example of a refund statement and a refund code generation form required for creation by a user connected to an electronic commerce intermediation system according to the present invention.

<Description of the symbols for the main parts of the drawings>

100: mediation system 110: database module

200: mediation server 210: authentication module

220: transaction processing module 230: shipping module

310: Buyer 320: Seller

330: shipping company 340: financial institutions

The present invention relates to an electronic commerce mediation system and mediation method, and more particularly, to an electronic commerce mediation system that can satisfy both the seller and the buyer and an electronic commerce mediation method using the same.

With the widespread use and widespread use of the Internet, electronic commerce, an online transaction made through a network such as the Internet, is increasing rapidly. In e-commerce, a seller who provides goods or services and a buyer who wants to purchase them are connected to a network, and payment for goods or services purchased through a payment method such as bank transfer or credit card is made. In detail, the buyer accesses the shopping mall site of the seller through a computer terminal, selects a desired product / service, presents a payment method accepted by the seller, requests the sale of the product / service, and the seller requests the product / service requested by the buyer. Deliver the service to the place requested by the buyer. In this case, in the case of a so-called 'prepaid post-delivery' type e-commerce in which a buyer deposits a purchase price of a product / service by a seller's bank account announced by the seller, the seller delivers the product / service. Frequently, the payment of goods and services to buyers was not carried out after the price was collected. Accordingly, in recent electronic commerce, the payment approval of the purchase price is mainly processed through a credit card, and a method of finally paying the purchase price according to whether the goods / services are delivered is adopted.

That is, when a buyer inputs purchase information such as payment information such as a credit card number and a shipping address for payment of a transaction, the seller requests a financial institution such as a card issuer to approve the purchase based on the entered purchase information. After the purchase approval is made for the transaction from the agency, the buyer delivers the goods / services requested by the buyer. If there is no refund request from the buyer after the delivery is completed, the seller requests the payment to the financial institution, and the financial institution pays the payment for the seller's payment request, and then the payment is made from the buyer's bank account on the date specified by the contract with the buyer. Withdraw.

However, the e-commerce is characterized by the so-called non-face-to-face and anonymity of the transaction that the buyer and seller do not face each other, there is a limit that contains a lot of problems compared to the conventional offline transaction. In the case of the 'prepaid post-delivery' method described above, the seller collects only the price of the goods from the buyer, and then the seller may refund the goods from the seller even if there is a defect in the delivered goods. There was a problem that was difficult to receive. On the other hand, in the case of an e-commerce transaction through a credit card, the transaction price cannot be paid to the seller if the card used for the transaction is later proved to be a stolen or forged card even though the seller provided goods / services to the user determined to be the buyer. Can be.

For example, spyware, email phishing, messenger phishing, pharming, XSS (cross-site scripting), URL hijacking, etc., may hack the user's financial information, and the hacked user's financial information may be used by others. Can be. However, when a transaction is made online according to the stolen or forged credit card information, the seller is not able to confirm whether the buyer who requested the payment through the credit card is the true owner of the credit card. In other words, the seller is obliged to verify that the credit card entered online by the buyer is actually the buyer under the usual agreement with the credit card merchant bank or credit card company. If a credit card is found stolen or counterfeit, the seller may lose both the purchase price and the product. Considering that such risks arise from the same domestic transactions of buyers and sellers, the risk is greatly increased when a seller receives a credit card issued overseas.

As a result, merchants are adopting a method to authenticate users for credit card payment requests. In North America and some European countries, merchants are asked to verify that their billing address matches their orders. AVS (Address Verification System) is used. In the online transactions through credit cards, the majority of overseas sellers are required to specify the shipping address and billing address separately, so that the billing address is matched in real time to confirm that the buyer is the holder of the legitimate card. Able to know. However, since AVS is applicable only to credit cards issued in North America and some European countries, it has a clear limitation that it cannot be applied as a global authentication method.

In addition, sellers who need to receive a card issued in a country where AVS does not apply require the buyer to contact the card issuer's contact information on the back of the credit card or to use the Bank Identification Number (BIN) of the card number. Based on the information, the purchaser inputs a method of confirming with the card issuer whether the billing address matches. However, in many countries, the law does not allow card issuers to provide sellers with information about buyers, so sellers cannot verify whether a buyer is a legitimate credit card holder. In addition, user authentication via AVS presents a number of problems because it is not difficult to find out the billing address created by a legitimate holder of a credit card when the credit card number and holder's name are known correctly. have.

On the other hand, sellers may choose to use a copy verification method, which requires a copy of the ID card with the front and back of the credit card and the card billing address on a pre-prepared form after credit card authorization. However, such a method is not only a hard work for a legitimate card holder, but also cannot be called a basic user authentication method because the possibility of copying itself can be excluded. Another method is to analyze the buyer's order information and convert the score to the likelihood that the order is fraudulent, but whether or not an order rated below the baseline score is necessarily a fraud and still be stolen / forged The possibility of trading via credit card still remains.

Furthermore, the actual issuer of the credit card has requested that the card be delivered to a one-time address independent of the card's billing address, and that the buyer has not received or ordered the goods after the goods have been shipped to the card issuer. Raise the chargeback. The seller who is notified of the chargeback will receive a delivery confirmation from the shipping company and submit it as proof of the transaction, but the buyer will lose the transaction price and the commodity mode if the buyer negates the association with the one-time address.

Due to such a problem, in recent online transactions, an escrow service is performed to arbitrately protect users and sellers by intermediary between users. Escrow, originally legal term, refers to a conditional deed, which promises to deposit a specific object to a third party and issue it to the other party if certain conditions are met. Recently, the use of esrow has been highlighted in electronic commerce. In e-commerce, the escrow service pays the seller after confirming that the transaction between the buyer and the seller has been smoothly closed, in order to prevent a transaction accident resulting from a failure to fulfill the promise between the buyer and the seller. It is a service that pays. The escrow service is described in detail as follows.

First, the buyer and seller who want to use the escrow service agree on which escrow company to use, and then register as a member of the escrow company. Subsequently, when the buyer enters / selects the product information to be purchased and the seller confirms the transaction agreement, the escrow company requests the buyer to deposit the product price in his account instead of the seller. When it is confirmed that the purchase price of the goods is received from the buyer, the escrow company notifies the seller to deliver the goods to the address specified by the buyer, and the seller notifies (deliver the delivery information) after sending the goods. Upon receipt of the goods shipment notice, the escrow company requests the purchaser to confirm receipt of the goods and approves the purchase, and the buyer requests the purchase approval / return within a certain period of time after receipt of the goods. When the buyer approves the purchase, the escrow company remits the payment for the goods deposited by the buyer to the seller, and the escrow service is terminated. If the buyer requests a return, the escrow company confirms the return to the seller and refunds the price to the buyer. The return is confirmed by the seller notifying the escrow company after receiving the returned merchandise.

However, the current e-commerce through the escrow service is iii) due to the nature of the agreement and confirmation process between the buyer, the seller and the escrow company, the use procedure is complicated and the transaction may be delayed, and ii) the buyer delays the purchase approval. In such cases, the seller will not receive payment for the delayed period, resulting in financial loss, and 에스) most escrow companies return if the buyer requests return and refund of the unilaterally delivered goods without the agreement between the users. Regardless of the reason, the purchase price is refunded to the buyer, and the seller must bear the financial loss such as shipping cost regardless of negligence, and iii) Excessive fee burden due to the use of escrow service is raised. Abroad from sellers abroad, especially buyers stolen When you make a purchase using a counterfeit card and out the problem can not be determined whether the purchaser is the legitimate cardholder it remains.

The present invention has been proposed to solve the above problems, and an object of the present invention is to verify whether a payment method presented by a user is made by a legitimate user before proceeding with electronic commerce through a network. It is to provide an e-commerce mediation system and an e-commerce mediation method through the system that can improve the safety.

Another object of the present invention is to determine whether a transaction is made from a real user in the course of a transaction between a buyer and a seller, thereby enabling an e-commerce brokerage system and mediation method using the system to actively resolve disputes that may occur between users. Is to provide.

Another object of the present invention is to provide a global-level e-commerce brokerage system and an e-commerce brokering method that can perform transactions at home as well as securely and at low cost among users having addresses in different countries. To provide.

Another object of the present invention is to provide an electronic commerce brokerage system and an electronic commerce brokerage method that can equally determine the burden of transaction brokerage among users by examining the process until a transaction is concluded between users.

Other objects and advantages of the present invention will become more apparent from the following detailed description of the invention and the accompanying drawings.

In the present invention having the above object, the user can perform online transactions with confidence by greatly improving the security or safety, and the electronic commerce brokerage system that can reconsider the balance between the buyer and the seller in the online transaction and the same Provides a method for mediating e-commerce through

An electronic commerce intermediary system according to an aspect of the present invention verifies the payment method presented by the user or by comparing and verifying the voice data analyzed by the call with the user, the authentication to compare and verify whether the transaction was made by a legitimate user Module to send you a Shipment Confirmation Code for a transaction requested from you, to compare and verify data entered from you, to send you your Shipment Confirmation Information, or to resolve disputes between parties involved in returns and refunds. And a delivery management module having means.

According to an embodiment of the present invention, an electronic commerce intermediary system that a user can access through a network, the system comprising: a database module for storing user information; An intermediary server interworking with the database module to process a transaction requested by a user, comprising: means for transmitting a user identification code generated by the intermediary server to a financial institution that manages payment means information input by the user, from the financial institution Provided is an electronic commerce mediation system including an intermediary server including an authentication module for verifying a payment method selected by a user by analyzing returned data or data input by a user.

In this case, the payment means presented by the user is a credit card, the user identification code may be configured in the form of a barcode, and particularly preferably the intermediary server further includes a document recognition means for recognizing the data returned from the financial institution It may include.

On the other hand, according to another embodiment of the present invention, an electronic commerce brokerage system that a user can access through a network, comprising: a database module for storing user voice information; An intermediary server interworking with the database module to process a transaction requested by a user, wherein the authentication module compares and verifies the voice data analyzed by a call with the user and the stored user voice information with respect to the transaction requested by the user. Provided herein is an electronic commerce mediation system comprising an intermediary server. In this case, the authentication module may include means for transmitting a transaction authentication code to the user for the transaction requested by the user, and comparing and verifying the transaction authentication code with the data input from the user.

In addition, according to another embodiment of the present invention, an electronic commerce brokerage system that a user can access through a network, the system comprising: a database module for storing user information; An intermediary server that interworks with the database module to process a transaction requested by a user, and transmits a delivery confirmation code for the transaction requested by the user to the seller, and compares and verifies the data entered to the buyer and the delivery confirmation code. It provides an electronic commerce mediation system including a mediation server including a delivery management module.

Preferably, if the purchaser does not enter a delivery confirmation code within the contracted period after the delivery is completed, the mediation server corresponds to a period until the delivery confirmation code is entered after the contracted date in addition to the transaction price requested by the user. The delay may further comprise a means of adding to the seller.

According to another embodiment of the present invention, an electronic commerce intermediary system that a user can access through a network, the system comprising: a database module for storing user delivery confirmation information; An intermediary server that processes a transaction requested by a user in association with the database module, provides an electronic commerce intermediary system including a delivery management module that transmits the delivery confirmation information to a seller about a transaction requested by a user. Delivery confirmation information input from the user in connection with the present invention includes the user's image information or delivery confirmation query.

On the other hand, according to another embodiment of the present invention, an electronic commerce intermediary system that a user can access through a network, comprising: a database module for storing user delivery confirmation information; An intermediary server interworking with the database module to process a transaction requested by a user, wherein in the case of a request for a refund in relation to a transaction between users, a means for creating a refund history by one party, and the created refund history Provided is an electronic commerce brokerage system comprising a mediation server having a means for notifying the other party and a means for settlement of payment in accordance with the agreed refund details between the parties.

On the other hand, in another aspect of the present invention, there is also provided an electronic commerce intermediation method with greatly improved transaction safety and equity through the characteristic configuration as described above.

According to an embodiment of the present invention, a method for mediating electronic commerce made through a network, the method comprising: (a) inputting user information and payment means information to an electronic commerce mediation system; (b) transmitting the user identification code generated by the e-commerce brokerage system to a financial institution that manages payment means information input by the user; (c) verifying identity verification by the financial institution; (d) An electronic commerce intermediation method is provided that includes analyzing data returned from the financial institution or data input from a user. At this time, the payment means input in the step (a) is a credit card, the user identification code generated in the step (b) is characterized in that it is configured in the form of a barcode.

On the other hand, according to another embodiment of the present invention, a method for mediating electronic commerce through a network, comprising: (a) inputting user voice information and payment means information into an electronic commerce mediation system; (b) requesting a transaction through an e-commerce brokerage system by the user; (c) making a call to a user's mobile by an e-commerce system; (d) there is provided an electronic commerce intermediation method comprising the step of comparing the user voice information and the voice data of the user analyzed through the call of step (c). At this time, the transaction authentication code for the transaction is transmitted to the user by the intermediary system between the steps (b) and (c), further comprising the step of comparing the transaction authentication code with the data input from the user can do.

In addition, according to another embodiment of the present invention, a method for mediating electronic commerce through a network, comprising: (a) inputting user information and payment means information to an electronic commerce mediation system; (b) requesting a transaction through an e-commerce brokerage system by the user; (c) transmitting a delivery confirmation code for the transaction to the seller by the electronic commerce system; (d) inputting delivery confirmation data by the purchaser after completion of delivery; (e) There is provided an electronic commerce intermediation method comprising the step of comparing a delivery confirmation code sent by an electronic commerce system with data entered by a buyer. At this time, preferably, if the buyer does not enter the delivery confirmation code within the contracted period after the completion of the delivery after the step (e), until the input of the delivery confirmation code after the contracted date in addition to the transaction price requested by the user It further includes the step of adding a late fee corresponding to the period of time to the buyer.

On the other hand, according to another embodiment of the present invention, a method for mediating electronic commerce through a network, comprising the steps of: (a) inputting user information, payment means information and delivery confirmation information to the electronic commerce brokerage system; (b) requesting a transaction through an e-commerce brokerage system by the user; (c) The electronic commerce intermediation method including the step of transmitting the delivery confirmation information input by the buyer of the transaction to the user by the electronic commerce system is provided. At this time, the delivery confirmation information includes the user's image information or delivery confirmation query.

Furthermore, according to another embodiment of the present invention, a method for mediating electronic commerce through a network, comprising: (a) inputting user information and payment means information to an electronic commerce mediation system; (b) receiving a return request from the buyer for the transaction requested by the user through the e-commerce mediation system; (c) generating a refund history related to the return request by the first user through an intermediary system; (d) notifying the second user by the mediation system of the completed refund; (e) providing an e-commerce intermediation method comprising the step of payment of the transaction price in accordance with the agreed refund details between users. At this time, the creation of the refund details of the step (c) is made through the creation of a refund code, the step (e) is characterized in that is performed by entering the refund code corresponding to the refund details agreed by the user through the intermediary system.

Some terms related to the present invention are defined as follows.

As used herein, the term " account " refers to an account assigned to each user by an e-commerce brokerage system that the user can access through a network. In one aspect of the invention the user is configured to be able to use his mobile number as an account, but the invention is in no way limited thereto.

As used herein, the term "user confirmation code" means any password that is arbitrarily generated by a brokerage system and transmitted to a financial institution or notified to a user to confirm whether the user's payment method is registered by a legitimate user. . "User confirmation code" according to the present invention includes a "payment means authentication code" and a "document identification code".

In the present specification, the term "payment means authentication code" is arbitrarily generated by the intermediary system to confirm whether the user is the true owner of the payment means for the payment method presented by the user, or notify the user through a financial institution or the user Means a password that is notified directly to The payment instrument verification code may be in the form of a random number / letter combination or in the form of a small amount.

In the present specification, the term "document recognition code" is a code written on a form transmitted to a financial institution that manages a user's payment method by an intermediary system. Means a code recognized by The document identification code may consist of, for example, a 'Fax Issue Number-Card Number-Forgery Prevention Code'.

As used herein, the term " transaction " means that a user with an account can, through an intermediary system, recharge funds from his or her actual means of payment to the account, transfer funds, withdraw funds, change accounts and make online transactions with other users. Used to include all of them.

As used herein, the term " transaction information " includes all transaction information made through an account. For example, when a product / service is to be purchased, the type, quantity, unit price and price of the product / service selected or subscribed by the user As well as purchase information such as the total purchase price, it is used to mean the account information of the user and the transaction authentication code notified to the user.

In the present specification, the term "transaction authentication code" means a password that is arbitrarily generated and notified to a user by a mediation system when a transaction is requested through a mediation system between users. The transaction verification code is a password or user's display that is notified to the mobile set by the user as an account, for example, when the user who owns the account charges his or her account or purchases and delivers goods / services between other account holders. Contains the password sent. In addition, in the present specification, the term "transaction verification code" is used not only for a specific password transmitted to a display of a user requesting a transaction, but also for a password notified to a user separately through a mobile of a user separately from the transmission of a specific password. Can be. The transaction authentication code may be in the form of a combination of alphanumeric characters or other forms of data.

In the present specification, the term "user identification information" is data that is specifically selected or input by a user who intends to use an intermediary system, and is intended to prevent leakage of user information to the outside by so-called 'phishing'. The user identification information includes a specific message input from a user, a user signature / doodle, an image information selected from an intermediary system or a user terminal.

In the present specification, the "delivery confirmation information" may be composed of a question that the courier company asks the recipient of goods and an answer (delivery inquiry) when a product requested by a user who wants to use an intermediary system is delivered.

As used herein, the term "refund code" refers to a password associated with a refund made by one party through a brokerage system when there is a request for return from a buyer for goods delivered in connection with a transaction between the parties through a brokerage system. do.

Hereinafter, the present invention will be described in more detail with reference to the accompanying drawings.

[Configuration of Mediation System]

1 is a schematic diagram showing an overall electronic commerce system including a system for brokering online transactions with a user alone or with another user according to the present invention, wherein the electronic commerce system is an electronic device accessible to users through a network 300. A commercial brokering system 100, and a buyer 310 and a seller 320 as a user who uses the brokerage system 100. The electronic commerce mediation system 100 is connected to the financial institution 340 through a network, and the seller 320 and / or the electronic commerce mediation system 100 are configured to be connected to the delivery company 330.

The electronic commerce intermediary system 100 is presented by the user in cooperation with the database module 110 and the database module 110 for storing and managing user information, payment means information, and transaction information requested from the user. After authenticating one payment means and a user, a broker server 200 for processing a transaction requested by the user and paying the transaction price is included. The database module 110 includes information input or selected from a user who wishes to enjoy a transaction through the intermediary system 100 (personal information such as a user name and address, payment method information, user identification information, user voice information, and delivery confirmation information). ) As well as transaction information requested by the user is stored and managed. According to an aspect of the present invention, the database module 110 may store and manage product / service information (a quantity, a unit price, a form) that one user intends to sell to another user in association with user information. Meanwhile, although FIG. 1 illustrates that the database module 110 is installed separately from the mediation server 200, the database module 110 may be configured inside the mediation server 200. Various modules constituting the mediation server 200 may be implemented to interwork with the database module 110.

Meanwhile, the buyer 310 and the seller 320 refer to a user who accesses and registers the electronic commerce brokerage system 100 according to the present invention and uses various transaction brokerage services provided by the electronic commerce brokerage system 100. . The buyer 310 refers to a user who wants to purchase a product / service provided by the seller 320 by owning a computer terminal or a mobile terminal capable of accessing a network such as the Internet. Meanwhile, the seller 320 is a user who wants to provide and sell a product / service, and includes all users who own a website such as a shopping mall or do not have such a website.

The financial institution 340 is an institution that manages and controls funds through payment methods presented by users, such as the buyer 310 and the seller 320, and stores and manages information about the user and information related to the payment means. . Examples of the financial institution 340 may be a credit card issuer that issues and manages a credit card, as well as a bank, insurance, or securities company that manages real accounts of users. Financial institutions are not limited to this. The financial institution 340 and the intermediary system 100 are connected by a network, which may be the same network as the network 300 connecting the intermediary system 100 and the users 310 and 320 or may be a separate network. have. Meanwhile, in order to provide the buyer 310 with the goods / services provided by the seller 320, the delivery company 330 may be connected to the seller 320 by a network, and the delivery company 330 may be an intermediary system 100. Connected to the transient direct network, the intermediary system 100 is configured to track the delivery of goods performed by the delivery company 330.

The mediation server 200 constituting the electronic commerce mediation system 100 for mediating a transaction requested by a user through such an electronic commerce system will be described with reference to FIG. 2. As shown, the mediation server 200 is provided with a web server 202 configured to communicate by Internet standard protocols such as HTTP to present a specific web page to a user connected to the mediation system 100 via a network. It is. In addition, the mediation server 210 includes an authentication module 210 for checking and verifying whether the payment method presented by the user accessing the mediation system 100 is stolen / forged / hacked and whether the user is the same, and the user. A transaction processing module 220 for processing and brokering a transaction requested by the user, and a delivery for managing the provision or delivery of goods / services from a first user (seller) to a second user (buyer) after a transaction agreement between the users Management module 230. The authentication module 210, the transaction processing module 220, and the delivery management module 230 perform respective functions while interworking with the database module 110 constituting the mediation system 100. Although not shown in the drawing, the mediation server 200 may include, for example, a mail server, and may include a control module for controlling the functions of each module.

The authentication module 210 includes a user identification unit 212 for transmitting user identification information such as a specific message / image to a display of a user logged into an intermediate system, and a user who accesses the intermediate system to perform online transactions. The payment method authentication unit 214 for verifying the validity of the payment method, that is, whether the payment method is forged, stolen or hacked by someone other than the rightful owner, accesses the brokerage system to request and complete a transaction. It may include a user authentication unit 216 for verifying whether or not the user to be a real user.

Accordingly, when a user who is registered as a member of the mediation system accesses the mediation system and inputs his or her account to perform a login procedure, the user identification information selected or input by the user in the member registration step is used to identify the user identification unit 212. The user may complete a login procedure such as inputting a password after confirming user identification information displayed on the display. As a result, even if a user accesses a fake phishing site other than the mediation system according to the present invention, the phishing site cannot transmit user identification information to the user's display. Alternatively, by confirming the selected user identification information, the financial information input by the user through phishing can be prevented from being hacked and exploited.

On the other hand, the payment method authentication unit 214 checks whether the payment method such as a bank account, credit card, etc. input / selected for use in various transactions through the intermediary system during the user registration process is not stolen / forged / hacked. This is for verifying and verifying whether or not the payment means registered in the mediation system is selected / input by the real user. To this end, the payment means authentication unit 214 randomly generates a user authentication code and transmits / remits it to a payment method registered by the user, and then inputs the data input by the user who has confirmed this in his payment method and the transmitted user confirmation code. Send a user verification code to a financial institution that manages the method of comparison, verification, and / or payment methods provided by the user, and the data returned by the financial institution or the data entered by the user who has been notified by the financial institution; Adopt a method to compare and verify the user verification code.

To this end, before the user initiates a transaction using his or her account, the payment method authentication unit 214 arbitrarily generates a user verification code and transmits the user verification code to the payment method and / or financial institution presented by the user. Means for storing, means for receiving data input from the user, means for comparing the transmitted user identification code with the input data, and the like. In addition, as described below, a method of authenticating a user's payment method may be a method of transmitting a fax form including a specific form to a card issuer and receiving a reply from the card issuer. In this case, a document which is one of user verification codes may be used. The identification code is included in the fax form transmitted to or returned from the financial institution. For this purpose, the payment method authentication unit 214 is configured to interwork with a fax server, a mail server, a document recognition server, and the like.

On the other hand, the user authentication unit 216 is an account verification unit 217 for verifying the mobile number set by the user in his account during the membership registration process, and the user wants to initiate or terminate the transaction using the account In the case it includes a transaction authenticator 218 for verifying whether the transaction has been initiated / closed by a true user.

The account verification unit 217 authenticates the user's mobile number set by the user in the initial login state after the user accesses the brokerage system and registers his or her own account. Specifically, when a user connects to an intermediary system and enters his / her account to log in, the first login screen displayed on the user's display is configured to click the 'send mobile number verification code' button. Clicking the button verifies whether the mobile number set as your account is the real number of the user. To this end, the account authentication unit 217 means for transmitting a mobile authentication code randomly generated by the mobile set to the user's account by the SMS method, the mobile authentication code generated when the user enters the notification code and the user input Accounts for the user can be verified, including the means to compare and verify the data.

On the other hand, the transaction authentication unit 218 is for verifying whether or not the transaction is normally made by a legitimate user in various online transactions using the account registered in the brokerage system. To this end, when a user accesses an intermediary system and wants to perform an online transaction using his or her account, the transaction authentication unit 218 generates a specific transaction verification code for the transaction and notifies the user by mobile SMS. And means for comparing and verifying data input from the user and a transaction authentication code transmitted / notified.

In addition, according to an embodiment of the present invention, when there is a specific transaction, the transaction authentication unit 218 automatically displays the transaction authentication code (first transaction authentication code) on the display screen of the user and automatically sets the mobile account to the user's account. It may include a "voice authentication means" for comparing and verifying the voice data of the user who makes a call and responds to a specific question and the voice information of the user stored in the member registration process. In this call process, a random password (second transaction verification code) may be generated by the voice authentication means of the transaction authentication unit 218 separately from the first transaction authentication code transmitted to the user's display, and the user may be requested to confirm it. . Since various data input by the user in this process is stored in the mediation system, if a chargeback, etc., which may occur in the future in connection with the transaction requested by the user is raised, the mediation system stores the various data stored in the transaction authentication unit 218. Based on this, the user can be actively involved in raising the chargeback.

Meanwhile, the mediation server 200 includes a transaction processing module 220 for substantially processing a corresponding transaction when a user requests a transaction through an account, and the transaction processing module 220 includes a transaction type selected by the user. A specific screen according to the user's display or a transaction management unit 222 for notifying the user of transaction information on the transaction in the case of a product transaction between the user, and a transaction in response to a transaction request from the user through an account. And a funds processing unit 224 for managing the flow of funds associated with.

The payment processing unit 224 has a payment means outside the mediation system, such as when the user recharges the funds from the payment means of the financial institution to the account of the intermediary system, or conversely withdraws the funds from the account of the intermediary system to the payment means of the financial institution. A fund management unit 226 that manages the flow of funds associated with the transaction, and a fund settlement unit that manages the flow of funds within the intermediary system, such as when transferring funds from one user's mediation system account to another user's mediation system account. ) To be included.

Furthermore, the mediation server 200 includes a delivery management module 230 that manages the delivery of the goods according to an agreement between the users, and the delivery management module 230 arbitrarily generates a delivery confirmation code for the corresponding transaction. Send / notify the seller with the shipping confirmation information selected / entered during the registration process.If the buyer enters the shipping confirmation code included in the product delivered from the seller, the buyer enters the data and the shipping confirmation sent to the seller. If the buyer does not request delivery confirmation or return / refund within a certain period of time by verifying that the code is matched, a means of comparing and verifying the code, and whether the buyer requested delivery confirmation or return / refund within the specified date after completion of delivery. A delivery verification unit (232) having a means for imposing a penalty on the buyer, and delivery of goods for the transaction Returns provided with a delivery tracking unit 234 provided with means for tracking the status through a courier company, and means for reasonably reconciling disputes between both parties when a request for return / refund is made for the transaction. It may be configured to include a manager 236.

Therefore, the seller can prevent the delivery to the person other than the buyer when the delivery is delivered with the product in the delivery process of the delivery delivery code and the delivery confirmation information received. In addition, the delivery verification unit 232 is associated with the voice authentication means of the transaction authentication unit 210 described above, when the buyer enters the delivery confirmation code notified from the seller by carrying out a telephone call to the mobile of the buyer of the registered buyer By comparing and verifying the voice of the buyer analyzed through voice information and currency, it is configured to verify whether the delivery confirmation code has been input by a valid buyer, and linked with the fund processing unit 224, at which point the buyer has completed delivery and In the event that a return / refund request or purchase confirmation is not made within a time period, the “delay delay” in addition to the original purchase price can be withdrawn from the buyer's account and transferred to the seller's account. On the other hand, the return management unit 236 is configured to interlock with the funds processing unit 224 of the transaction processing module 220, in particular with respect to returns, refunds, to notify the seller when there is a return / refund request from the buyer As well as the means, there is a means to settle the return and refund in a reasonable way in the event of an agreement or dispute between the buyer and the seller. According to an aspect of the present invention, the return management unit 236 may include a return statement generating means, a refund statement generation / modification / agreement means, a refund code generating means, a refund code input means, and the like in connection with a transaction between the parties.

As a result, the various modules included in the mediation server 200 according to the present invention are organically linked to each other, so that the validity of the payment means presented by the user, whether the user involved in the transaction process is a genuine party, and the recipient who received the goods is truly Not only can you confirm whether you are a buyer, but you can also expect positive and fair decisions about disputes between parties.

[Transaction method through mediation system]

It describes a method for the user to proceed online transactions through the electronic commerce system according to the present invention as described above. 3 is a flow chart schematically illustrating a process from the seller to the buyer through the intermediary system to deliver the goods, according to an embodiment of the present invention, Figure 10 is until the payment is substantially paid after the goods delivery This is a flow chart schematically illustrating the process. Hereinafter, the electronic commerce mediation method according to the present invention will be described with reference to FIGS. 3 to 4, but an online transaction process between an own payment means and an account registered in an intermediary system without delivery of goods will also be described.

I. Member Registration

A user who wants to conduct an online transaction using the mediation system according to the present invention should first access the mediation system through a network and register as a member (S302). The user inputs his or her user information and payment means information as indicated on the screen displayed on the display of the user terminal through the web server of the intermediary system. User information input according to one aspect includes the user's intermediary system account ID (your mobile number) and password, the account holder's personal information (name, address, contact, e-mail address, etc.), and the like. The mobile number entered may be required to be entered including the country code. If a user who wants to register as a member wants to perform a transaction related to a specific corporation, a trade name, a website address, an address, a contact number, and a business registration number of the corporation may be additionally input.

In addition, the user must enter their payment method information in connection with the transaction through the account ID (S304), for example, if you want to register a bank account as a payment method, bank name, bank code, bank address, IBAN, Enter information such as SWIFT, account number, account holder name and country. If you wish to register your credit card as a payment method, enter your card type, card number, expiration date, CVV2 / CVC2 number, cardholder's name, card issuer registration phone number, payment bank, payment account number and billing address. do.

In particular, in the present invention, the user is requested to input / select additional information in addition to the above information in the process of registering as a member of the mediation system (S306). The additional information requested for input by the mediation system of the present invention may include sales information if the user wants to sell user identification information, delivery confirmation information, and a product.

Examples of the user identification information may include 'phishing prevention text message', 'phishing prevention signature and graffiti / image' as illustrated in FIG. 4A, but the present invention is not limited thereto. Anti-phishing signature and graffiti / image can be selected by the user directly input using a mouse, or selected from the image database of the mediation system, or uploaded from the user's terminal.

4B is an example of a delivery confirmation information input screen input by a user. As shown, the user inputs the user's own image information to be printed on the invoice along with the delivery address of the goods and the delivery confirmation information such as the identity verification question / answer that the courier will ask for the delivery. Through such delivery confirmation information, the courier may check whether the goods delivered by the courier are delivered to a legitimate user by comparing the user image printed on the invoice with the recipient, or by asking a self-identification question.

In addition, a user who wants to sell through an intermediary system is requested to additionally input / create a sales information form as shown in FIG. 4C. In connection with online transactions through an intermediary system, the seller may choose to accept card payments. Therefore, if the buyer wants to purchase a product from a seller who refuses to pay the card, the buyer may use a method of transferring a certain amount to his or her account. In addition, the return / refund allowance period shown at the bottom of FIG. 4C is a period during which the purchaser must request a delivery confirmation or a return request after receiving the goods, and if there is no delivery confirmation or a return request within this period, the buyer has a predetermined penalty. May be imposed.

II. Pre-certification and verification

1. Phishing Protection

As described above, in order to perform a transaction, a user who inputs various information goes through a login procedure by accessing an intermediary system (S308). In the mediation system according to the present invention, rather than inputting ID and password simultaneously in other general websites, the user can log in after confirming the user identification information selected by the user. That is, when a user connected to the mediation system enters his mobile number corresponding to the registered account ID of the mediation system, the user identification information (personal confirmation message / signature) corresponding to the registered account ID as shown in FIG. / Image) to the user's display. Eventually, even if a user accesses a phishing site that mimics the website of an intermediary system, the phishing site cannot display user identification information entered or selected by the user on the screen. By confirming the selected / input user identification information, after confirming that the user has accessed a genuine intermediary system website, not a phishing site, the user enters a password to complete the login procedure. When the user completes the login procedure, a pre-authentication procedure is started as described below.

2. Account Certification

A user who is registered as a member of the brokerage system must authenticate the mobile number registered with his or her account prior to the actual transaction using the brokerage system. When a user who is a member of the brokerage system completes the login procedure for the first time, click the "Transfer mobile number verification code" button to the screen displayed on the display. The intermediary system randomly generates a mobile authentication code (for example, 'TBAH8524'), and transmits the mobile authentication code generated by the mobile of the user set as the account by SMS method, and the user enters his account by entering the transmitted authentication code That is, the authentication for the mobile is performed (S310).

3. Voice information registration

If a valid mobile authentication code is input from the user, the intermediary system automatically dials the user's mobile and registers the user's voice information (voice fingerprint information) through a call with the user (S312). In other words, the intermediary system calls the user's account ID, the user's name, and other specific queries (for example, from 0 to 9) in a phone call with the user. Voice information can be registered. As a system for registering / authenticating voice information of a user, a voice recognition / authentication solution of Nuance.com or Authentify.com may be used. The user voice information obtained through the telephone call may be stored separately in the database module of the intermediary system or in the voice authentication means of the authentication module constituting the intermediary server.

4. Payment method certification

If the user who passed the account authentication wants to conduct an online transaction through his / her account registered in the intermediary system, the user authenticates the payment method registered by the user before performing the transaction. The process for confirming whether or not the true owner is required (S314). The payment method that passed the payment method authentication process is considered to be presented by a legitimate user, and the user can perform various online transactions through his / her account. Otherwise, the payment method is presented in an illegal manner such as theft, forgery, or hacking. Since various transactions through their accounts are considered / restricted, the user must input separate payment means information (S304) or re-enter the user confirmation code. The payment method authentication method according to the present invention will be described by taking an example.

1) Remittance amount verification

As a method that can be applied when a user registers a specific bank account as a payment method in the member registration process, the user first selects a bank account to be authenticated from among bank accounts registered in the brokerage system. The intermediary system transfers / transmits the payment means authentication code, which is one of the randomly selected user verification codes, to the selected bank account. The user checks the remittance data in the name of the intermediary system in his bank account and inputs it into the intermediary system. Subsequently, the intermediary system compares the payment means authentication code sent / transmitted to the user's bank account and the data input by the user, and if the values match, the bank account is determined to be the rightful owner.

In this regard, as a payment method authentication code sent / transmitted to the user's bank account, a small amount (for example, $ 0.15, 0.22) randomly selected by the intermediary system and remitted to the registered bank account of the user once or several times $, $ 0.17) or a small amount of money in the process of including a payment method verification code may be considered. For example, if the payment method authentication code generated in the intermediary system is "BSKW7912" in the process of remitting the small amount of money described above, the remitter is referred to as the "BSKW7912", or in a separate reference (reference) The code includes 'BSKW7912', and the user checks the verification code from the remittance details, logs in to the brokerage system, and enters the corresponding data to verify that the bank account is owned by him.

2) Approval amount certification

The user registers a credit card as a payment method and authenticates it. In this authentication method, when the user selects a payment method and requests authentication, the brokerage system accepts a randomly generated small amount of money in the name of the brokerage system for the selected credit card, and prompts the user to enter this amount after confirmation. As an authentication method, the small amount of money approved by the mediation system functions as a payment means authentication code which is one of user verification codes. In such an authentication method, the small amount approved by the intermediary system is a randomly selected amount within a certain range (for example, $ 43.27 selected from a range between $ 1.00 and $ 99.99) or a randomly divided amount of the total amount disclosed. The amount may be, for example, an amount approved at random by splitting three times randomly into $ 1.24, $ 2.67, and $ 1.09 after notifying the user that the total amount of the amount approved in the name of the brokerage system is $ 5.00.

The small amount randomly approved by the brokerage system is approved by the card issuer who manages the credit card presented by the user.The card issuers receive the approval time by mobile or e-mail registered by the credit card holder immediately after the credit card is approved. Since the card usage history real-time service is provided to transmit / approval amount / seller's name, etc., the user can confirm the small amount arbitrarily approved by the brokerage system from the financial institution such as the card issuer through SMS or e-mail. It can be connected to an intermediary system and entered in the order of approval. The intermediary system can verify whether the credit card presented by the user is requested by the true user by comparing the data input from the user with the small amount of money that has been arbitrarily approved. In other words, if the user is not the actual holder of the card, the user cannot verify the amount of authorization arbitrarily generated by the intermediary system, so that the user can be authenticated through this process.

At this time, if the authorization issue notification service is not available from the card issuer through SMS or e-mail, or if the card issuer does not provide the service, the user may directly contact the card issuer contact information on the back of the card or access the website. After the authorization amount can be confirmed, and the card issuer itself is authenticated in this process, it is impossible to confirm the authorization amount by a third party other than the card holder.

As a result, only a legitimate user can confirm the small amount of approval arbitrarily handled by the mediation system, and then access the mediation system and enter the amount of approval. The mediation system compares and verifies the approved amount entered from the user. Verify the validity of the payment method. The authorized amount may be replaced by a later card authorization fee or charged to the user's account, and if the authentication is not attempted or fails within a certain period of time, the card may be considered not owned by the party owner.

3) Fax authentication method

If the user presented a credit card as a payment method, it is one of the other ways to authenticate. According to the method, i) the brokerage system approves / pays a predetermined card authentication fee from the credit card issuer managing the credit card presented by the user, and ii) issues a fax document sent to the card issuer. Notice) and user confirms this and clicks send button, then the fax document is sent to card issuer. Iii) The card issuer checks the sent fax document and sends it back to the mediation system. Iii) The mediation system analyzes the returned fax and confirms its authenticity.

First, the intermediary system uses the card issuer information (name, address, phone number, fax number) based on the credit card information (card type, card number, expiration date, cardholder name, billing bank, billing address, etc.) entered from the user. ) Can be checked. Major credit card companies, such as VISA and Master Card, issue and distribute membership roster software, which can be used to identify the card issuer's information, which is the first six digits of the card number entered by the user. The BIN number is used. For example, if the VISA credit card entered by the user has a BIN number starting with "400933", when the user enters a BIN search of the 'VISA Interchange Directory' software, issuer information as shown in FIG. 6 is displayed on the screen. Visa card was issued by LG Card in Korea, and you can check the phone number and fax number associated with the card holder.

Or, the actual database file containing the membership list of the major cards is composed of Microsoft's access file format, so it can be easily transferred to the database server of the intermediary system, and the card issuer information can be automatically extracted through the appropriate SQL program. Can be.

When the card issuer's information is obtained as described above, the intermediary system creates a form for user authentication, which is shown as an example in FIG. 7A, and displays the user's display. As can be seen in Figure 7a, the portion requested to be confirmed by the card issuer is described, for example, in OMR format, <Secure barcode input portion> in the upper portion of Figure 7a is a user confirmation arbitrarily generated by the intermediary system A 'document identification code' as a code is generated, for example in the form of a barcode. However, after the user checks and signs the contents of the fax form sent to the user's display by the mediation system and clicks the 'Send fax to the card issuer' button at the bottom of the screen, the mediation system generates a document identification code. The user cannot know the barcode content. As an example of the document recognition code related to the present invention may be composed of 'fax issuance number (2138495) -card number (41111111111111) -forgery prevention code (FSEWNAJEKUSPTJBH)', in particular, forgery prevention code is arbitrarily at every fax transmission by the intermediary system Is generated. On the other hand, when the user clicks on the 'send fax button' may be configured to enter a message that the effect of "card issuer can replace the fax reply to the email reply" in the reference input portion of the bottom of the form.

The user checks the form created by the intermediary system and signs by using a mouse or uploading a signature file stored in the terminal. As this is a request for authentication through a user's signature, in some countries where the card issuer cannot provide any information about the cardholder to the seller, the authentication method using this method may be applied. You can expect a reliable fax reply from the company.

When the user clicks the 'Send Fax to Card Issuer' button, the secure barcode generated fax form is sent directly to the broker's fax server or to the card issuer through the Internet fax service's fax transmission service. The card issuer's representative checks the box and writes the name / signature of the contact person and returns it to the fax number of the brokerage system displayed at the bottom of the fax. The fax number of an intermediary system may be a local fax server of an intermediary system installed directly in major cities around the world, a virtual fax from an Internet fax service provider, or just a number of intermediary systems installed in a major city. If the fax number is simply the telephone number of the intermediary system, the received fax call is forwarded to the central office's fax server for processing. When a fax document is returned to the local fax server, the fax document is converted to an image file on the local fax server and then attached to a specific email that you specify and sent to the mail server of the intermediary system or sent via FTP to the FTP server of the intermediary system. Can be. On the other hand, when a virtual fax is returned, the fax document may be converted into an image file at a fax server of an Internet fax service provider, and then attached to a specific email and transmitted to a mail server of an intermediary system.

Fax documents returned to the intermediary system are immediately analyzed on a document recognition server, where a document recognition solution such as Cardiff's Teleform server can be used. That is, the document recognition server of the mediation system recognizes the 'secure barcode' item, which is the document recognition code included in the returned fax, and the check item (OMR) item checked by the card issuer, Can recognize the authentication result. That is, the document recognition server of the intermediary system can send the fax image file sent to the FTP server of the intermediary system, the fax image file attached to the e-mail sent to the mail server of the intermediary system, or the fax document sent to the headquarters fax server of the intermediary system. By analyzing and extracting the data checked by the secure barcode and the card issuer representative and reflected in the database of the mediation system. For example, if the values entered by the card issuer representative are all "Matched" and "Strict payment", the card is successfully authenticated and the user can use the card in the intermediary system, but otherwise the authentication fails. As a case, the user requests reauthentication for the same card or selects another card to begin the authentication process.

4) Card issuer verification code authentication method

In the present invention is similar to the above-described fax authentication method, but if there is a difference, the fax form transmitted from the mediation system to the card issuer is not returned to the mediation system, but the unique payment means authentication as a user confirmation code on the fax form in the mediation system. After generating and issuing the code, the card issuer checks the sent fax document and notifies the user of the payment method authentication code, which is the user verification code, only when the information he manages matches the information on the sent fax form. When the user inputs the data received from the card issuer, the intermediary system compares and verifies the issued authentication code and the data input from the user. That is, in this method, i) the brokerage system approves / pays a predetermined card authentication fee from the credit card issuer managing the credit card presented by the user, and ii) issues a fax document sent to the card issuer. Notify the user, iii) If the user confirms this and clicks the send button, the corresponding fax document is sent to the card issuer. 발급) The card issuer checks the sent fax document and delivers the verification code included in the fax form to the user only if the information matches. Ⅴ) When the user accesses the intermediary system and enters the code notified from the card issuer, , Iii) The intermediary system adopts a method of comparing and verifying the issued payment means authentication code and the data input from the user.

6B is an example of a fax document form transmitted to a card issuer by an intermediary system according to the present method, and a screen is first displayed on a user's display. The card issuer confirmation code at the bottom is created and issued by the intermediary system after the user clicks the 'Send Fax to the Card Issuer' button after checking the contents of the document. Therefore, the user cannot know the authentication code. After receiving this form, the card issuer goes through a verification process that compares the cardholder's information with the data on the form. As such, after completing the verification process, the user can verify the verification code by contacting the card issuer listed on the back of the card or the fax document. Therefore, it is impossible in principle to expose this code to a third party who is not a legitimate cardholder. . When the user enters the data notified by the card issuer and successfully authenticates the credit card, the user can use the card through the intermediary system.

III. Transaction through account

1. Replenishment of funds

1) Bank Transfer

In the above-described account authentication step (S310), the user who has completed the authentication for the mobile number corresponding to his / her account may directly transfer the desired amount of funds to the bank account of the brokerage system. At this time, the user transfers the funds by including the account ID of the intermediary system between the predetermined delimiters (for example, "account number **"), and the intermediary system receives the remittance details from the financial institution. After analysis, the funds transferred to the account of the intermediary system contained between the delimiters can be replenished. At this time, the intermediary system may assign a unique virtual account corresponding to each user and use a method of matching a real payment account registered by the user to check whether the user remits money and the remittance details in real time.

In addition, the user may proceed with the payment payment associated with the online transaction through the payment method authentication procedure, the payment method registered by the user to the brokerage system account after the above-described process, this process will be described.

2) Charging from an approved payment method to an account

According to the procedure described above, if the authentication result of the payment method registered in the mediation system is determined to be a legal payment method, the user may charge a predetermined amount from his or her account registered in the mediation system through the mediation system. . When the user connects to the intermediary system and selects the charge, the user selects the payment method (real account or credit card registered in the financial institution) and the charge request amount on the screen displayed to the user, and then selects 'Mobile authentication' on the screen. ' Click the button. According to a preferred embodiment of the present invention, in the case of a charge request less than a certain amount, the transaction authentication code is transmitted to the user's mobile by the user authentication unit of the intermediary system through the SMS method, and the user receives the transaction. The authentication for the charging request is performed by comparing and verifying the data input by the corresponding transaction authentication code. On the other hand, for a charge request of a predetermined amount or more through the voice authentication means provided in the user authentication unit of the intermediary system, the user verification for the charge request is performed. That is, the intermediary system generates a unique transaction authentication code (first transaction authentication code) for the corresponding charge request, and when the call comes from the brokerage system, press the transaction authentication code on the mobile keypad. Authorization code: 0000 ". At the same time, the user authentication unit of the intermediary system calls the user's mobile to induce the user's voice authentication. For example, the user authentication unit asks the user to press the transaction verification code displayed at the bottom of the display screen when the user answers the phone, checks the charge request details and the user's name, and then randomly selects a question (for example, "Follow me." '3782, 3782' "). The intermediary system checks whether the user's voice fingerprint stored in the member registration process and the user's voice matched through the telephone call match and the contents of the answers match. In particular, in the present invention, in order to avoid the possibility that the user's answer was recorded by a third party, the user generates a 'second transaction authentication code'-3782-in the above case, which is a combination of random numbers or letters. Review the answers from the After successful authentication, the conversation with the user is stored in the mediation system and can be used as evidence of the transaction. After such transaction authentication, the intermediary system may charge the charge request amount to the user's account in the payment method selected by the user. In particular, if the user selects a credit card for recharging funds with the account, the user may pay the charge request amount from the card and recharge the remaining amount of the user account, excluding a predetermined card fee.

2. Transfer of funds

The user can transfer the funds charged in the account of the intermediary system to the account of the other intermediary system, withdraw money to the bank account, which is his real account, or bill the other users through the above-described method. In particular, in the case of funds transfer, escrow may not be used, such as being transferred to a neutral account of an intermediary system and then to another user's account, and the transferred funds will be returned unless the recipient clicks the refund button. It can be configured not to.

3. Transactions between Parties

An online transaction on the premise of another party, such as the sale or exchange of goods / services, between users possessing an intermediary system account, each of which has passed the payment instrument authentication as described above, may be made through the intermediary system of the present invention. In this case, online transactions between users through intermediary systems can be divided into trade / consensus or transaction opening process, checkout process, seller's transaction decision, delivery, buyer's purchase decision, return / refund process, and transaction payment process. Can be distinguished.

1) Settlement of Agreement or Initiation of Transaction

Agreements or transactions can be initiated through various methods among users who wish to use a brokerage service for secure online transactions through a brokerage system.

First, as a method in which a first user (buyer) initiates a transaction on a website of a second user (seller), a buyer, who owns an intermediary system account, puts a product that he wants to purchase on the seller's website in a shopping cart. On the shopping cart screen as shown in Figure 3, select the 'safe transaction brokerage system' to request a purchase (S316). When the buyer requests a purchase for the product, the seller's brokerage system account ID and transaction information about the product selected by the buyer are sent to the brokerage system, and the buyer is directed to the brokerage system's website. When the buyer enters his brokering system account ID, anti-phishing personal identification information as shown in Fig. 5 is displayed on the buyer's display, and the buyer enters a password to log in. The brokerage system outputs the transaction information including the order information transmitted from the seller's website and the buyer and seller information stored in the brokerage system in an 'invoice' form (S316). At this time, the output invoice includes delivery confirmation information (buyer image, delivery confirmation information) registered by the buyer.

Second, the seller uploads goods / service information (unit price, stock quantity, product image, etc.) that he / she wants to sell and exchange to the brokerage system to subscribe for the sale of goods, and the buyer who accesses the brokerage system is registered in the brokerage system. When selecting a product / service to be purchased from a variety of product / service lists, a method of allowing the brokerage system to output transaction information including order information and buyer / seller information in an 'invoice' format may be considered.

In addition, a transaction between users who do not have a separate website or a transaction method that flexibly adjusts the terms of the transaction through mutual agreement between users may be made through the intermediary system of the present invention. In this case, the first user and the second user may perform online intermediation through an intermediary system in a state where agreement on basic conditions related to a transaction is made through offline. First, either the buyer or the seller (transaction establisher) logs in to the intermediary system, prepares a transaction history as shown in FIG. 8B and offers an offer for the product. When the trade creator clicks the 'Agree' button displayed on the display screen, the counterpart is notified by email or SMS to the other trader.The other party logs in to the brokerage system, checks the trade conditions and product details, and then revises / approves the transaction. Or cancel the transaction. When the other party revises, the revised contents are regarded as a changed offer and are notified to the trade creator, who can revise / agree / cancel the modified trade terms according to the same procedure. If either party clicks the Agree button through this process, it means that a transaction agreement has been established between both parties, and the intermediary system notifies all the traders that the transaction has been completed.

2) Buyer's payment method selection

When a basic agreement related to a transaction is made between users through the same method as described above, the buyer should select a payment method. Trading methods that can be made in connection with the present invention are shown in Table 1 below.

Table 1. Payment Method for Transactions

Account transfer Withdrawal paying credit card Brokerage fee bearer seller seller seller Card fee bearer Buyer (when refilling card with funds for account transfer) Not applicable seller Shipping address Select or enter new Select or enter new Card billing address

In the context of the present invention, 'account transfer' is a method of withdrawing a transaction from the funds already charged in the buyer's brokerage system account and then transferring the transaction to the broker's brokerage system account, except for a predetermined brokerage fee after the transaction is closed. . 'Account Withdrawal' is a method in which the buyer withdraws the transaction price from the bank account registered in the brokerage system in real time and then transfers the transaction to the brokerage system account of the seller except for the predetermined brokerage fee. On the other hand, 'card payment' refers to the broker's brokerage system account, except for a certain brokerage fee and card fee after the transaction is completed in real time at the time when the transaction is made through the brokerage system from the credit card registered in the brokerage system. This means the transaction price is settled.

In connection with the present invention, in principle, the brokerage fee shall be borne by the seller, and the card fee may be configured to be borne by the seller only in the case of pure 'card payment'. Therefore, in the 'account transfer', the buyer may use the method of withdrawing funds from his bank account as described above in order to add funds to his account, but the card fee when using his credit card Is charged to the buyer so that only the remaining amount of the account charges, except for the card fee, is charged to the buyer's account. In this way, the card fee is paid by the buyer in the account transfer, and the card fee is paid by the seller in the actual card settlement. It can be made and substantially lower the brokerage fee.

In addition, a shipping address that can be designated by the buyer may be limited according to the payment method. In the case of 'Account Transfer' and 'Account Transfer', the buyer can select the desired shipping address from the registered shipping address or enter a new shipping address. In the case of 'Payment,' the buyer can use the credit card You can only receive delivery to your billing address. The reason for limiting the delivery address in the card settlement is as follows. For example, if you transfer a certain amount to your account through a credit card and then transfer the transaction amount through your account transfer, the time when the transaction amount was charged to your account by your credit card coincides with the actual transaction point. If the buyer issues a chargeback through the card issuer, the card issuer regards the charge as a credit card purchase to the brokerage system account. Therefore, the card issuer will request the mediation system to acknowledge the validity of the transaction related to the account charging, and the mediation system can present the above mobile authentication data and voice authentication data as evidence. On the other hand, in the case of 'card payment', the actual transaction time with the seller coincides with the purchase of the credit card, so the brokerage system must prove whether the transaction is justified and the delivery is completed for the buyer's chargeback. If the address is different from the address, it is difficult to prove that the goods are actually delivered to the buyer, and even if the delivery confirmation is presented, the buyer can deny the address.

In this regard, the seller may select whether or not to accept 'card payment' as a payment method, which may be changed according to circumstances. Therefore, if the seller does not accept the 'card payment', the buyer can settle the transaction through the 'account transfer' and 'account withdrawal' method, so the buyer can recharge the account of the brokerage system more than the transaction amount in advance. Or register a bank account to be used for 'account withdrawal'.

3) Check out

When a transaction agreement and payment method are selected between the users through the above-described process, the intermediary system checks out whether the corresponding product / service transaction is made by the real user (S318). First, the buyer checks the contents of the invoice or transaction statement printed / displayed on the display by the mediation system, and then clicks the authentication button displayed on the screen provided to the mediation system. The intermediary system sends the transaction verification code for the transaction to the buyer's mobile by SMS method, the buyer inputs the transmitted code, compares and reviews it, and verifies whether the buyer is a true buyer. Alternatively, after notifying the first transaction verification code to the display of the buyer by using the above-described voice information analysis method, the mobile phone is induced to enter the first transaction verification code by calling the buyer's mobile and stored through a simple query. The buyer's voice fingerprint information is compared with the buyer's voice. In this case, the second transaction authentication code is notified to the buyer in a phone call with the buyer, and the buyer may repeat the method by voice.

4) Transaction amount processing

Immediately after the buyer's certification, the brokerage system processes the transaction amount according to the payment method selected by the buyer and sends a transaction confirmation email to the buyer and the seller respectively. In the present invention, a method in which the price corresponding to the transaction is first transferred from the buyer's account to the 'neutral account' of the intermediary system, and then transferred to the seller's account at a later stage in which the transaction is completely terminated. On the other hand, the transaction confirmation e-mail sent includes the invoice, the terms and conditions, the seller's return / refund policy, return / refund allowance period, including the transaction details. After logging in to the brokerage system, the user can check the same contents in the details of the transaction.

5) Seller's Decision and Delivery

If the buyer verification is successful, the transaction is marked as ready for delivery.After the goods have been shipped and a tracking number has been entered, the transaction cannot be canceled, but the buyer and seller are in the middle of preparing for delivery. After logging in, you can cancel or decline the transaction. If a transaction is canceled or rejected, the transaction value is immediately returned to the buyer's account.

On the other hand, if the seller decides to proceed with the transaction, the seller logs in to the brokerage system and prints the invoice and confirmation of the delivery of the transaction. Can be. In particular, the seller can receive the transaction data in XML through the XML access key given by the brokerage system when opening the account, and outputs the transaction data through an invoice output tool provided by the delivery company. At this time, the seller must include either the brokerage system transaction number or the buyer's brokerage system ID in the reference of the invoice so that it can be classified as a valid shipment by the shipping tracking unit of the brokerage system. In particular, since the invoice sent to the seller by the intermediary system of the present invention includes the delivery confirmation information (buyer image, delivery question / answer), the seller confirms such delivery confirmation information as shown in Fig. Can be printed and pasted. In addition, the intermediary system randomly generates a delivery confirmation code for the transaction and sends it to the seller, and the seller prints a delivery confirmation letter and a return / refund policy including the delivery confirmation code that is notified and delivers it with the product (S320). ). Accordingly, the courier staff can check whether the goods have been delivered to the rightful buyer through the delivery confirmation information.

On the other hand, after completing the shipment, the seller logs in to the brokerage system and inputs the shipping information such as the shipper / cargo tracking number.If the seller ships through a shipper that supports XML tracking, the seller tracks the brokerage system. The delivery status of the shipment can be monitored through XML, and it can be checked whether the shipment is a valid shipment actually traded in an intermediary system. As soon as the seller's shipping information is entered or modified, the brokerage system sends the entered / modified shipping information to the buyer's email to confirm. The delivery tracking unit of the intermediary system monitors the delivery status of marine shipments, updates and stores them as 'completed delivery' for shipments that meet all the specified conditions.

6) Buyer's Purchase Decision

When the delivery of the goods is completed, the buyer is required to finally purchase or return / refund the goods delivered through the purchase decision, which will be described with reference to FIG. 10.

First, when the delivery of the transaction is completed, the brokerage system sends the buyer details of the delivery details and the delivery confirmation via e-mail. After logging in to the brokerage system, the buyer can click the 'delivery confirmation code button' based on the delivery confirmation code attached to the product delivered from the seller and enter the delivery confirmation code to determine the final purchase or request a return / refund. have. That is, the intermediary system checks whether there is a return request for the transaction from the buyer after the end of the delivery (S1002) and whether the delivery confirmation code has been entered (S1004). If the purchaser enters a valid delivery confirmation code for the transaction, a telephone call is performed to the mobile of the purchaser through the transaction certification unit of the intermediary system, and the purchaser is authenticated through a method similar to the above-described voice authentication method (S1004). When the delivery confirmation code is entered and the conversation with the buyer is stored in the database module of the mediation system. If the purchaser enters the delivery confirmation code within the final purchase decision date (return / return date) and the authentication is successful, the remaining transaction price, except for the brokerage fee, is transferred to the seller's brokerage system account and the payment is made (S1012). It ends (S1014).

On the other hand, if no decision is made by the buyer within the final purchase decision date, the buyer is not allowed to request a return / refund for the transaction. However, after this date, the buyer can still enter the delivery confirmation code.After the final purchase decision, the intermediary system calls the buyer to request the delivery confirmation code until the delivery confirmation code is entered (S1008), and confirms the delivery confirmation code from the buyer. If is input (S1010), it is possible to authenticate the buyer through the voice authentication method. Alternatively, the purchaser may enter the delivery confirmation code after logging in to the brokerage system even after the final purchase decision date. The brokerage system may delay a predetermined delay on the date of the decision from the date of the final purchase decision until the day when the delivery confirmation code is entered and the voice authentication is successful. Calculate the 'delayed delay' multiplied by the interest rate and the transaction price as a penalty and pay it to the buyer, and withdraw the additional delay from the buyer's account in addition to the transaction price, and pay the remaining amount excluding all fees to the seller's account. After the payment is made by the transaction (S1012), the transaction is terminated (S1014).

7) Return / Refund

The buyer can request a return / refund by logging in to the brokerage system within the return / refund period and clicking the return / refund button in the transaction details. At this time, the buyer may upload the reason for the return and the photograph of the product related to the return to the mediation system to request a return, and the mediation system notifies the seller of such a return request (S1016). The seller may log in to the intermediary system to confirm the reason for the buyer's return and then approve or reject the return (S1018). In this case, according to a preferred embodiment of the present invention, the seller must be notified of the return request from the buyer and must approve the return request or reject the return request within a predetermined period (for example, two days), and if there is no decision, an intermediary system Assumes that the seller has accepted the return. If the seller approves or approves the return and is considered to have accepted the return by the intermediary system, the intermediary system notifies the buyer (S1020), and the buyer follows the instructions of the seller who approves the return or the product Shipment / return of goods in the seller's post-payment method through the delivery company (S1022), after logging in to the brokerage system to create a return statement as shown in Figure 11, the payment can be made (S1012).

On the other hand, if the seller rejects the buyer's request for return, there is a dispute between the seller and the buyer regarding the return of the goods. Conventionally, the escrow companies have accepted the buyer's request unconditionally for the dispute, but the seller bears the shipping cost, but in the present invention, in relation to the return / refund between the buyer and the seller, The burden between the parties could be adjusted.

In other words, when the seller rejects the buyer's request for return, the seller may reject the return by connecting to the brokerage system, clicking the 'return return' button, and then describing the reason for the rejection. The buyer confirms the reason for the seller's refusal through the intermediary system, and then clicks the 'return rejection' button or the 'dispute' button for the seller's refusal of return. In this case, in the present invention, if the purchaser does not make any decision within the contract period (for example, two days), the brokerage system considers the purchaser to reject the seller's return. In this way, if the purchaser approves the return refusal or the return rejection is approved by the intermediary system, the intermediary system may request the purchaser to enter the delivery confirmation code and perform voice verification. On the contrary, in case of the buyer's objection, the brokerage system asks both sides for clarification, analyzes clarifications of both sides, and records sent and received by both sides to determine each share ratio and impose a predetermined dispute settlement fee. You can end the transaction.

Meanwhile, the mediation system of the present invention is provided with means for reconciling disputes over refund amounts as well as returns between the parties. First, as a method of creating a refund statement, when a buyer inputs a return shipping statement as shown in FIG. 11, an intermediary system monitors the delivery status and notifies the seller when the delivery status is marked as completed. After investigating the returned merchandise, the seller logs in to the brokerage system and fills out a refund statement within the delivery completion date (for example, three days). If there is no refund statement within the specified deadline, the brokerage system provides the seller with the reason for the return. Refunds can be considered as approved. Therefore, if the return shipping method is the seller's postpayment, the full amount of the transaction stored in the neutral account of the brokerage system is refunded to the buyer, and in the case of the buyer's prepayment, the return shipping fee is withdrawn from the seller's account, and then the full amount of the transaction is returned to the buyer's account. After the transfer, the transaction is terminated (S1014).

On the other hand, when the seller accesses the brokerage system and creates a refund statement as shown in FIG. 11A, the initial shipping cost and return shipping cost of the transaction stored in the brokering system are automatically called. According to the correction and entering the return fee, the refund amount is calculated. When the seller clicks the 'Agree' button, the brokerage system notifies the buyer that a refund statement has been entered, the buyer reviews it and clicks the Accept button to close the transaction in a way that the refund is made according to the refund statement entered by the seller. It may be (S1014). Alternatively, the buyer can click the edit button to modify the refund statement prepared by the seller and send it to the seller, and the seller can press the 'agree' button or click the 'edit' button. In particular, if one of the parties clicks on the 'final modification' button in order to prevent delays due to continued modification between the parties, the other party may be configured to agree or select only the dispute button. When the other party disputes the final amendment of one party, the intermediary system requests both sides for clarifications, analyzes the clarifications of both parties, and records exchanged between the two sides to determine the proportion of each share and pay the prescribed dispute settlement fee. The transaction can be terminated at the same time as charging (S1014).

Second, the buyer and seller can decide the amount of the refund themselves after going through all the negotiations about the refund. For example, if the seller who investigated the returned item logs in to the brokerage system and clicks the 'Refund' button in the transaction history, a refund code generation form as shown in FIG. 11B is displayed on the screen, and the seller applies the currency and the refund amount. After inputting, click 'Generate Refund Code' button and a refund code related to the transaction is generated and stored in the brokerage system. The refund code may be configured in the form of a refund amount (USD3,150.90), transaction number (3920618), and forgery prevention code (XFGT9023). The seller notifies the buyer of the generated refund code by email or the like, and the buyer may request another refund code if it is determined that the refund amount is not appropriate. On the other hand, if the refund amount is deemed appropriate, the buyer enters the refund code by logging in to the brokerage system and clicking the 'Enter Refund Code' button in the transaction details. If a valid refund code is entered, the refund amount is refunded to the brokerage system account of the buyer and the rest is transferred to the account of the seller and the transaction ends (S1014). In this way, users can reasonably resolve disputes related to returns / refunds based on a fair share of judgment based on the agreement between the parties in the dispute concerning returns / refunds or various evidence collected by the brokerage system.

In the above, the present invention has been described based on the preferred embodiments of the present invention, but the present invention is not limited thereto. Rather, it will be apparent to those skilled in the art that various modifications and variations can be easily made based on the embodiments described above. However, such modifications and variations will become more apparent through the appended claims that they fall within the scope of the present invention without departing from the spirit of the present invention.

The electronic commerce intermediation system according to the present invention can be configured to block various risk factors that can occur from before the transaction is made between the user to the moment when the transaction can be terminated to promote safe electronic commerce.

Specifically, in the present invention, mobile phone and one-time password / voice authentication interlocked through the strong authentication system of the user's account stealing by the third party.

Therefore, after confirming the status of the goods ordered by the buyer, entering the delivery verification code into the intermediary system and passing the separate certification, the transaction price is paid to the seller. You can be protected from the risk of fraud such as being delivered.

In addition, through the effective identity verification system and mobile authentication system, which can be used as a definitive evidence in the event of chargeback, sellers can securely handle transactions with credit cards issued overseas, especially the complicated and cumbersome current escrow. Compared to the service, it provides an option to conduct a transaction in a payment gateway (PG) manner, so that the transaction with the buyer can be performed quickly and easily. Moreover, the buyer can avoid the problem of financial loss due to delay of purchase confirmation by imposing a penalty for delaying decision and paying the seller from the return / refund period set by the seller.

In particular, the payment method presented by legitimate users registered in the e-commerce brokerage system was reliably authenticated before the transaction was initiated, and based on the mobile authentication and various user identification information input from the user in relation to the transaction requested by the user, Not only can you identify who is responsible for the disputes that may arise, but you can evenly share the disputes between users.

In addition, in the brokerage system according to the present invention, the funds charged to the buyer's account at the same time as the transaction occurs are transferred to the neutral account of the brokerage system, and the seller can be provided with the settlement of the payment quickly by accumulating the funds to the seller's account immediately after the transaction is closed. In addition, you can easily withdraw your funds at any time.

Through such a more rigorous authentication method, it is expected that users can securely and at low cost not only e-commerce in their home country but also with other users in other countries.

Claims (20)

An e-commerce brokerage system that users can access through a network, A database module for storing user information; An intermediary server interworking with the database module to process a transaction requested by a user, comprising: means for transmitting a user identification code generated by the intermediary server to a financial institution that manages payment means information input by the user, from the financial institution An intermediary server that includes an authentication module that verifies the payment method selected by the user by analyzing the data returned or the data entered by the user E-commerce brokerage system comprising a. The method of claim 1, The payment means is a credit card, the user identification code is an electronic commerce brokerage system consisting of a bar code format. The method of claim 1, The mediation server further comprises a document recognition means for recognizing data returned from the financial institution. An e-commerce brokerage system that users can access through a network, A database module for storing user voice information; An intermediary server interworking with the database module to process a transaction requested by a user, wherein the authentication module compares and verifies the voice data analyzed by a call with the user and the stored user voice information with respect to the transaction requested by the user. Mediation server containing E-commerce brokerage system comprising a. The method of claim 4, wherein The authentication module comprises a means for transmitting a transaction authentication code to the user for the transaction requested from the user, and means for comparing and verifying the transaction authentication code and the data input from the user. An e-commerce brokerage system that users can access through a network, A database module for storing user information; An intermediary server that interworks with the database module to process a transaction requested by a user, and transmits a delivery confirmation code for the transaction requested by the user to the seller, and compares and verifies the data entered to the buyer and the delivery confirmation code. Mediation Server with Delivery Management Module E-commerce brokerage system comprising a. The method of claim 6, If the purchaser does not enter the delivery confirmation code within the contracted date after the delivery is completed, the brokerage server will incur a delay for the period before entering the delivery confirmation code after the contracted date in addition to the transaction price requested by the user. An e-commerce mediation system further comprising means added. An e-commerce brokerage system that users can access through a network, A database module for storing user delivery confirmation information; An intermediary server interoperating with the database module to process a transaction requested by a user, comprising: a delivery management module for transmitting the delivery confirmation information to a seller about a transaction requested by a user. The method of claim 8, The delivery confirmation information is an electronic commerce intermediary system including a user's image information or delivery confirmation query. An e-commerce brokerage system that users can access through a network, A database module for storing user delivery confirmation information; An intermediary server interworking with the database module to process a transaction requested by a user, wherein in the case of a request for a refund related to a transaction between users, a means for creating a refund history by one party, and the created refund history An intermediary server having a means of being notified to the other party and a means of settlement of payments in accordance with the agreed refund details between the parties E-commerce brokerage system comprising a. As a method for mediating e-commerce over a network, (a) inputting user information and payment means information into an e-commerce mediation system; (b) transmitting the user identification code generated by the e-commerce brokerage system to a financial institution that manages payment means information input by the user; (c) verifying identity verification by the financial institution; and (d) analyzing the data returned from the financial institution or the data input from the user. The method of claim 11, The payment means input in step (a) is a credit card, the user identification code generated in step (b) is an electronic commerce intermediary method, characterized in that consisting of a bar code form. As a method for mediating e-commerce over a network, (a) inputting user voice information and payment means information to an e-commerce mediation system; (b) requesting a transaction through an e-commerce brokerage system by the user; (c) making a call to the mobile of the user by the electronic commerce system; and (d) comparing the user voice information with voice data of the user analyzed through the call of step (c). The method of claim 13, The method further includes the step of transmitting the transaction authentication code for the transaction to the user between the steps (b) and (c), and comparing the transaction authentication code with data input from the user. Commerce brokerage method. As a method for mediating e-commerce over a network, (a) inputting user information and payment means information into an e-commerce mediation system; (b) requesting a transaction through an e-commerce brokerage system by the user; (c) transmitting a delivery confirmation code for the transaction to the seller by the electronic commerce system; (d) inputting delivery confirmation data by the purchaser after completion of delivery; (e) an e-commerce intermediation method comprising the step of comparing the delivery confirmation code sent by the e-commerce system with the data entered by the buyer. The method of claim 15, If after the step (e) the buyer does not enter the delivery confirmation code within the contracted date after the completion of delivery, in addition to the transaction price requested by the user corresponds to the period until entering the delivery confirmation code after the contracted date E-commerce brokerage method further comprising the step of adding a delay to the buyer. As a method for mediating e-commerce over a network, (a) inputting user information, payment means information, and delivery confirmation information into an e-commerce mediation system; (b) requesting a transaction through an e-commerce brokerage system by the user; (c) the electronic commerce intermediation method comprising the step of transmitting the delivery confirmation information entered by the buyer of the transaction to the user by the electronic commerce system. The method of claim 17, The delivery confirmation information is an electronic commerce intermediation method comprising the user's image information or delivery confirmation query. As a method for mediating e-commerce over a network, (a) inputting user information and payment means information into an e-commerce mediation system; (b) receiving a return request from the buyer for the transaction requested by the user through the e-commerce mediation system; (c) generating a refund history related to the return request by the first user through an intermediary system; (d) notifying the second user by the mediation system of the completed refund; (e) an e-commerce intermediation method comprising the step of payment of a transaction in accordance with an agreed refund history between users. The method of claim 19, The creation of the refund details in step (c) is made through the creation of a refund code, and the step (e) is performed by inputting a refund code corresponding to the user's agreed refund details through an intermediary system. Way.

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